---
canonical_url: https://lendb.ai/lo/keith-luken-541121
json_url: https://lendb.ai/lo/keith-luken-541121.json
nmls_id: 541121
last_verified: 2026-10-09
---

# Keith Luken

Senior Loan Officer at Ruoff Mortgage. NMLS ID 541121 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/541121)).

**Summary:** Keith Luken (NMLS 541121) is Senior Loan Officer at Ruoff Mortgage. Licensed in 2 states: Florida and Indiana. Focus areas shown on the lender page: First-time buyer and Construction loan. 8 years licensed. Last verified 2026-10-09.

## At a glance

- Years licensed: 8
- Licensed in: Florida (FL), Indiana (IN)
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.ruoff.com/KeithLuken
- **Construction loan** (`construction`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.ruoff.com/KeithLuken

## About

Keith guides first-time homebuyers and those building their forever home through mortgages and construction loans, taking a balanced approach to building lasting client relationships across Florida and Indiana.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- service_area: Florida and Indiana. Source: https://www.ruoff.com/KeithLuken, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Issued | Source | Verified |
|---|---|---|---|---|---|---|
| FL | state_license | LO118552 | active | 2023-03-29 | state_regulator | 2026-10-09 |
| IN | state_license | n/a | listed_on_lender_site |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Ruoff Mortgage (NMLS 141868). Source: https://www.ruoff.com/KeithLuken, verified 2026-10-09.

## Disciplinary actions

None on record at LenDb (regulator orders are not loaded yet; check NMLS Consumer Access).

## Contact

- View profile at Ruoff Mortgage: https://www.ruoff.com/KeithLuken
- Office phone on file: shown at https://lendb.ai/lo/keith-luken-541121#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/541121
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.ruoff.com/KeithLuken

Cite as: Keith Luken (NMLS 541121), Ruoff Mortgage. LenDb.ai, https://lendb.ai/lo/keith-luken-541121, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._